Electrical Panel Upgrade Cost in San Jose and Chico, CA

ByCharles Jackson

The cost to upgrade an electrical panel typically ranges from $1,300 to $3,000 for most homes, with larger or more complex upgrades costing more. The final price depends on factors like panel size, electrical load, wiring condition, and local permit requirements.

Electrical panel upgrades are increasingly common in California as homeowners install EV chargers, upgrade HVAC systems, remodel kitchens, and rely on more power-hungry appliances. Many older homes were not designed to handle today’s electrical demands, making a panel upgrade necessary for safety and long-term reliability.

Jackson Electric is a licensed local electrician serving homeowners and businesses in San Jose and Chico, California. The team specializes in residential electrical panel upgrades and commercial electrical panel upgrades, helping property owners safely modernize their electrical systems while meeting all local code and permitting requirements.

If you are unsure whether your current electrical panel can support your home or business, a professional evaluation can help determine the right upgrade before problems arise.

Key Takeaways

  • Electrical panel upgrade costs in California typically range from about $1,300 to $3,000 for most residential projects, with larger or more complex upgrades costing more.
  • The most common electrical panel upgrade is from 100-amp service to 200-amp service, which meets modern household power needs.
  • Older homes often require additional work, such as wiring updates, panel relocation, or code-related improvements, which can affect total cost.
  • Jackson Electric offers free electrical panel upgrade estimates for homes and businesses in both San Jose and Chico, CA.

What Is an Electrical Panel Upgrade?

An electrical panel upgrade increases the amount of power your home can safely handle. This is different from simply replacing a panel. A replacement usually means installing a new panel of the same size because the old one is damaged, outdated, or unsafe. An upgrade, on the other hand, increases the amperage of your electrical service so your home can support more electrical load.

When people talk about “amp service,” they are referring to how much electricity your home can draw from the utility at one time. Think of amperage like the width of a highway. A lower amp service is a narrow road that gets congested easily. A higher amp service allows more electricity to flow without overloading the system.

Most homes fall into one of these common panel sizes:

  • 100-amp panels are typically found in older or smaller homes with limited electrical demand.
  • 150-amp panels offer a modest step up but are less common today.
  • 200-amp panels are the modern standard for most homes.
  • 400-amp panels are usually reserved for very large homes or properties with heavy electrical usage.

Two hundred amp service has become the standard because it supports today’s electrical needs without constant overload risk. It allows homeowners to run HVAC systems, modern kitchens, EV chargers, and future upgrades without worrying about tripping breakers or stressing the electrical system.

How Much Does an Electrical Panel Upgrade Cost?

Average Electrical Panel Upgrade Cost

Across the United States, electrical panel upgrade costs typically range from about $1,300 to $3,000 for a standard residential upgrade. In California, costs often fall toward the higher end of that range due to permitting, labor rates, and stricter electrical codes.

For most homeowners, the typical electrical panel upgrade cost lands between $1,800 and $2,500, depending on the size of the panel and the complexity of the installation.

Online cost averages vary widely because every home is different. Panel location, wiring condition, utility requirements, and local code rules all play a role. A straightforward panel swap may be on the lower end, while older homes or service upgrades that require additional work can push costs higher.

Home Electrical Panel Upgrade Cost Breakdown

Understanding where the cost comes from helps explain why estimates can differ so much.

Panel equipment cost
The electrical panel itself usually costs between $250 and $500 for most residential sizes. Larger or specialty panels cost more.

Labor cost
Labor is often the largest portion of the total cost. Electrical panel upgrades require skilled, licensed electricians and can range from $1,000 to over $3,000, depending on the complexity of the job.

Permit and inspection fees
Most cities require permits and inspections for electrical panel upgrades. These fees typically range from $50 to $300, depending on location and project scope.

Utility coordination
Some upgrades require coordination with the local utility company to disconnect and reconnect service. In certain cases, this can add time and cost, especially if a service upgrade or meter work is required.

Jackson Electric handles the full process, including permits and coordination, to make sure your electrical panel upgrade is completed safely and to code in both San Jose and Chico.

Electrical Panel Upgrade Cost by Panel Size

Cost to Upgrade to a 100-Amp Panel

A 100-amp electrical panel is best suited for small homes with minimal electrical demand. This option is typically appropriate for older houses without central air, electric vehicle chargers, or large modern appliances. In some cases, it may also make sense for small rental units or accessory structures with limited power needs.

The typical cost to upgrade to a 100-amp panel ranges from $800 to $1,500, depending on wiring condition, panel location, and permitting requirements. While this can be a lower-cost option, it offers little room for future expansion.

Cost to Upgrade to a 200-Amp Panel

Upgrading to a 200-amp electrical panel is the most common residential upgrade today. It provides enough capacity to support modern households, including air conditioning, electric ranges, home offices, and EV chargers.

Most 200-amp panel upgrades cost between $1,300 and $3,000 for residential homes. This range covers the majority of standard upgrades where existing wiring and panel location are in reasonable condition.

Two hundred amp service future-proofs your home by allowing additional electrical upgrades without requiring another panel replacement. It is especially important for homeowners planning to install EV chargers, heat pumps, or additional living space.

Cost to Upgrade to a 400-Amp Panel

A 400-amp electrical panel is typically reserved for large homes or properties with commercial-level electrical demand. This includes homes with multiple EV chargers, extensive workshop equipment, or large square footage with heavy appliance usage.

The typical cost to upgrade to a 400-amp panel ranges from $2,000 to $6,000 or more, depending on utility requirements and installation complexity.

This type of upgrade makes sense when a 200-amp panel cannot safely support the electrical load or when long-term expansion is planned. A licensed electrician can determine whether a 400-amp service is necessary or if alternatives like subpanels are more cost-effective.

What Factors Affect Electrical Panel Upgrade Cost?

Existing Panel Condition

The condition of your current electrical panel plays a major role in cost. Older fuse boxes usually need full replacement, which adds labor and materials. Panels manufactured by Federal Pacific or Zinsco are considered safety hazards and typically require complete replacement rather than partial upgrades. Corrosion, rust, or visible damage can also increase labor time and cost.

Home Age and Wiring Type

Older homes often have outdated wiring that does not meet modern safety standards. Knob and tube wiring almost always requires replacement during a panel upgrade. Homes with aluminum wiring may also need additional work or special connectors to meet current code requirements, while copper wiring is generally more compatible and cost-effective to upgrade.

Electrical Load Requirements

Your home’s power demands directly affect panel size and cost. Common load increases include:

  • EV chargers
  • Heat pumps and electric HVAC systems
  • Hot tubs or spas
  • ADUs, home additions, or remodels

The more electrical load your home requires, the larger and more complex the panel upgrade becomes.

Panel Location and Accessibility

Indoor panels are often easier and less expensive to upgrade, while outdoor panels may require weather-rated equipment. If the panel must be relocated to meet current code or improve access, costs can increase due to additional wiring, labor, and potential wall or stucco repairs.

Permits and Local Code Requirements

Permitting requirements vary by city and county. San Jose and Chico have different inspection processes, fees, and utility coordination rules. Most panel upgrades require at least one inspection, and some require coordination with the local utility provider. Working with a local electrician ensures all permits and inspections are handled correctly and efficiently.

Additional Costs to Consider

Electrical Panel Relocation Cost

In some cases, upgrading an electrical panel also requires moving it to a new location. This often happens when the existing panel does not meet current code for clearance, height, or accessibility.

Electrical panel relocation typically costs $800 to $3,000, depending on how far the panel needs to move and how much new wiring is required. Relocation is commonly required when panels are located in closets, bathrooms, or other non-compliant areas.

Subpanel Installation Cost

A subpanel can be a cost-effective solution when your main panel is full, but your total electrical service is still sufficient. Subpanels are often used for garage circuits, additions, workshops, or ADUs.

Subpanel installation usually costs between $500 and $1,800, depending on size, distance from the main panel, and labor involved. Subpanels do not increase total service amperage but can reduce the need for a full service upgrade in certain situations.

Meter Box and Service Upgrade Costs

Some electrical panel upgrades require coordination with the local utility company. If your service amperage is increased or your meter base is outdated, a new meter box may be required.

Meter box replacement costs can range from $1,800 to $3,500 when installation and utility coordination are involved. The utility company typically handles meter removal and reconnection, while the electrician installs the meter base and wiring.

Drywall, Stucco, or Siding Repairs

Electrical panel upgrades often require cutting into walls or exterior surfaces. Repair costs for drywall, stucco, or siding are frequently overlooked because they are not part of the electrical work itself.

Depending on the extent of access needed, repair costs can add several hundred dollars to the project. A professional electrician will explain these possibilities upfront so there are no surprises.

Commercial Electrical Panel Upgrade Cost

Commercial electrical panel upgrades are generally more complex than residential projects. Small commercial buildings often require higher amperage service, additional safety equipment, and stricter code compliance.

Commercial upgrades typically involve:

  • Higher amp requirements
  • Additional inspections
  • More detailed load calculations
  • Coordination with utilities and inspectors

Commercial electrical panel upgrade costs usually range from $2,500 to $8,000 or more, depending on building size and electrical demand.

Electrical Panel Upgrade Cost in San Jose, CA

In San Jose, electrical panel upgrade costs for most homes typically range from $1,800 to $3,500. Pricing is often higher due to stricter local codes, labor rates, and detailed permitting requirements.

Santa Clara County requires permits and inspections for electrical panel upgrades, and some projects involve coordination with the local utility. These requirements can increase both cost and timeline, especially in older neighborhoods.

For homeowners in San Jose, working with a local electrician who understands the permitting process helps avoid delays and unexpected issues.

Call Jackson Electric San Jose for a free estimate:
408-266-5351

Electrical Panel Upgrade Cost in Chico, CA

In Chico, electrical panel upgrades generally cost slightly less, with most projects falling between $1,500 and $3,000. Many homes in the area are older, which can increase the likelihood of wiring updates or code-related improvements.

Permits in Butte County are typically more affordable, often ranging from $50 to $150, depending on the scope of work. Even so, inspections are still required to ensure safety and compliance.

Jackson Electric’s Chico team is familiar with local housing conditions and permitting requirements.

Call Jackson Electric Chico for a free estimate:
530-907-7961

Signs You Need an Electrical Panel Upgrade

  • Frequent circuit breaker trips
  • Flickering or dimming lights
  • Burning smells or buzzing sounds from the panel
  • Inability to run multiple appliances at the same time
  • Preparing for EV charger installation or major home upgrades

If you notice any of these issues, a professional evaluation is recommended.

DIY vs Hiring a Licensed Electrician

Why Electrical Panel Upgrades Are Not DIY Projects

Electrical panel upgrades involve serious safety risks. Improper installation can lead to electrical fires, shock hazards, and system failures. Most insurance policies will not cover damage caused by unpermitted or unlicensed electrical work, creating major liability issues for homeowners.

Benefits of Hiring a Licensed Electrician

A licensed electrician ensures your upgrade meets all current codes and safety standards. Permits and inspections are handled properly, and the work is backed by warranties and professional accountability. This provides peace of mind and long-term reliability.

Does an Electrical Panel Upgrade Increase Home Value?

Upgrading an electrical panel can increase home value by improving safety and supporting modern electrical needs. Buyers often see updated electrical systems as a major advantage. Insurance companies may also view upgraded panels more favorably, potentially reducing risk concerns. Long term, a modern panel improves efficiency and reduces the likelihood of costly electrical problems.

How to Save Money on an Electrical Panel Upgrade

  • Have an accurate electrical load calculation performed
  • Avoid oversizing the panel beyond your actual needs
  • Bundle panel upgrades with other electrical projects
  • Get a professional evaluation before committing to major upgrades

Planning ahead can prevent unnecessary costs while still ensuring safety.

FAQs About Electrical Panel Upgrade Costs

How much does an electrical panel upgrade cost?
Most residential upgrades range from $1,300 to $3,000, depending on panel size and project complexity.

How much does it cost to upgrade from 100 amps to 200 amps?
This upgrade typically costs between $1,300 and $3,000 for most homes.

Do I need an electrical panel upgrade for an EV charger?
Many Level 2 EV chargers require additional amperage. A panel upgrade may be necessary if your existing panel cannot support the load.

How long does an electrical panel upgrade take?
Most upgrades are completed in one day, though inspections and utility coordination may add time.

Is a permit required for an electrical panel upgrade?
Yes. Electrical panel upgrades require permits and inspections in both San Jose and Chico.

Schedule a Free Electrical Panel Upgrade Estimate

Jackson Electric offers free electrical panel upgrade estimates with no obligation. Their local teams understand city and county permitting requirements and handle the entire process from start to finish.

San Jose: 408-266-5351
Chico: 530-907-7961

Call today to schedule your free electrical panel upgrade estimate and get clear, upfront pricing from a trusted local electrician.